What are your thoughts on serving MERS - Mortgage Electronic Registration Systems, Inc along with the lending bank named on the mortgage?  Second request for debt validation letter just went out to bank.  I could send MERS a request for debt validation first then name them in the same case.    I could save me $280 at the court house by naming them both as defendants in this controversy.  I am not in foreclosure thanks be to the Lord.  <3 <3 <3   Zha